Blogger Profile

Giorgio ugazio

Blog Info

Early Retirement
Frugality/Saving, Investing
Start Year:

Blogger Bio

Net worth:
Zurich, Switzerland
Life stage:
DINK (Dual Income, No Kids)
IT / Software Engineer
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Latest Blog Posts

Editorial note:  financial update will become a quarterly event. I’m covering August and September here to align with quarters. Next edition will be Q4 2017 (Oct-Nov-Dec).  Hi RIP voyeurs, welcome back to my monthly update. As usual, the reference doc is my NW spreadsheet. You may find that the doc is out of sync with the screenshots from this post and with the previous ones related to financial updates. Two reasons: I retroactively added pro-rated ...
Posted: Oct 17 2017 @ 5:21 PM
Editorial note: I’ve been not much motivated to write on this blog recently but do not worry, I’m not giving up. I have a lot of ideas and blog posts I want to throw out! It just seems to me that writing a decent post takes so much time that I’m always behind schedule and frustrated by that. I’m trying new things, like switching to smaller but more frequent posts. Hi ...
Posted: Oct 14 2017 @ 12:12 PM
Hi RIP readers, Last months my finances have been dominated by currencies fluctuations more than savings and/or investments earnings (and/or weddings!). I’ve always considered currencies fluctuations a minor factor (and I still do) in wealth management. A factor not worth taking into account, especially when talking about three of the most stable currencies around: the Euro, the U.S. Dollar and the Swiss Franc. They’re pretty solid, aren’t they? None of these ...
Posted: Aug 06 2017 @ 7:03 AM
Hi RIP voyeurs, Yes, I’m still alive! It’s been quite a long time since my last post but I’ve been very busy with organizing my Wedding, enjoying a month long Honeymoon and wrapping life up after such a big break. Blogging has obviously been postponed for a while. Follow me over this three months financial update, but first listen to this: I don’t know if I’ll be back at an acceptable post frequency. You ...
Posted: Aug 02 2017 @ 3:18 AM
Welcome back RIPvestors, time has come to get back to my investment series. We’re going to cover the very large ETFs world in this post, the preferred mustachians instrument to join the stocks party! Disclaimer: I’m not an expert on this subject. I’m here to share what I know with you, my novice reader, since I think it’s more than enough to get started with ETFs. I’m here to learn more on ETFs from you, ...
Posted: May 19 2017 @ 6:17 AM
Hi RIP voyeurs, April 2017 is gone and hopefully this new wave of winter is gone too. Before jumping into numbers let me explain why you didn’t hear from me for an entire month. April has probably been one the busiest month of my life so far, so many things happened! I had no bandwidth for writing and blogging and several other activities. My “watch later” list on youtube crossed 200 videos and my “read ...
Posted: May 01 2017 @ 5:48 PM
Hi RIP voyeurs, March 2017 is gone, spring arrived earlier this year in Switzerland. At the time of writing this post it’s 23 degrees and I’m biking to work wearing only shorts and t-shirt! Welcome back to my monthly update. As usual, the reference doc is my NW spreadsheet. Overview A very unusual month and hard to compare with others, mainly for a special reason: ♥ We got married ♥ Yes, Miss RIP is now finally Mrs. RIP. Ok, I ...
Posted: Apr 01 2017 @ 8:36 AM
Hi RIP friends, I got my first real Credit Card few days ago. I didn’t own one before. Well, as I’ve previously explained, I had some sort of similar tools, like prepaid credit cards and a Hooli issued real credit cards, but that’s another story. With the prepaid cards you don’t get a line of credit and the Hooli card is for work related expenses. I’ve never considered it mine. I never had a real credit card, I’ve never experiences this sort ...
Posted: Mar 14 2017 @ 3:40 PM
Hi RIP voyeurs, February 2017 is gone, it’s been incredibly warmer than average here in Switzerland, it really looks like spring already! Welcome back to my monthly update. As usual, the reference doc is my NW spreadsheet. Overview This was a strange month. First of all, lowest saving rate since started this blog, 50.9%. Ouch. Few unexpected medical expenses, some expected wedding expenses and lowest salary ever since joined Hooli made it. I guess next 3-4 months won’t be ...
Posted: Mar 03 2017 @ 5:30 AM
Hi RIP friends, good friends are always a source of inspiration. I was chatting with my bloggers friends Emma & Robert White (whatlifecouldbe) and Oli (frugalisten), discussing issues like the next FIWE and few personal updates. …And then I’ve been enlightened by a clear memory of when I had first glance of ...
Posted: Feb 25 2017 @ 8:48 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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